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FHA Loans
Your Path to Affordable Home ownership!
We'll help you find the right loan program. If you're not quite ready, we will help get you there.
WHAT ARE FHA LOANS?
Federal Housing Administration (FHA) loans are designed to help first-time homebuyers and those with less-than-perfect credit achieve the dream of homeownership. Backed by the federal government, these loans offer more lenient credit requirements and lower down payment options compared to conventional loans.
WHAT ARE the benefits of an fha loan?
Low Down Payments: As low as 3.5% for those with a credit score of 580 or higher.
Flexible Credit Requirements: More forgiving for those with lower credit scores.
Assumable Mortgage: If you sell your home, the buyer can assume your FHA loan, which could be an attractive selling point if interest rates have risen.
what are the eligibility qualifications of an FHA LOAN?
To qualify for an FHA loan, you must meet the following requirements:
Credit Score: A minimum credit score of 580 to qualify for the low down payment advantage. Those with credit scores between 500 and 579 may still qualify but must provide a 10% down payment.
Debt-to-Income Ratio: FHA loans generally allow a maximum DTI of 50%, although 43% is ideal. Exceptions can be made for higher ratios with compensating factors such as a higher credit score or significant cash reserves.
Employment History: Stable employment or steady income for the past two years.
Property Standards: The home must meet federal Department of Housing and Urban Development (HUD)'s minimum property standards for health and safety during the appraisal process.
Mortgage Insurance Premiums: FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) that varies based on the loan term and down payment.
How Do i apply for an FHA LOAN with you?
Check Your Credit Score: Ensure your credit score meets the minimum requirements.
Determine Your Budget: Use our mortgage calculator to understand what you can afford.
Gather Documentation: Prepare documents such as proof of income, tax returns, and employment verification. If you are unsure of what you need, we can help.
Find an FHA-Approved Lender: We will help you find a lender who is approved to offer FHA loans.
Submit Your Application: Complete the online loan application using our industry leading software and provide the necessary documentation.
Complete the Home Appraisal: The home must be appraised by an FHA-approved appraiser to ensure it meets standards.
Close on Your Loan: We will support you to review and sign your loan documents to finalize the process.
Your Future Starts Here
Applying with Integrity Home Funding is secure and customized to your needs. Not sure if you are ready? Give us a call and we will walk you through it!
© Copyright 2026. Integrity Home Funding. All Rights Reserved.
Licensed In: Oregon & Washington | Company NMLS: 2477880 | WA LIC: CL-2477880
6975 SW Sandburg Street, Suite 120 Tigard, Oregon 97223
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Joel Martin / Integrity Home Funding LLC to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
